USCB
USCB FINANCIAL HOLDINGS, INC.
Next earnings Jul 22, 2026 · consensus $0.50 EPS, $27.3M rev
Last earnings +0.6% on 2026-04-23
$20.53
▲ +3.22%$20.53▲ +30.69%
over 1Y
L $15.69EODHDH $20.53
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+3.2%
1W+5.7%
1M+10.9%
3M+12.6%
YTD+14.3%
1Y+30.7%
Hold
Conviction
Horizon
Medium (3–12mo)
Street · 11 analysts
Buy
Mixed signals in the latest filings.
Return on equity 12.0% · latest
The read
Fundamentals and price both look middling — no strong edge either way.
USCB FINANCIAL HOLDINGS, INC. shows limited reported revenue, and 12.0% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $21.1M | $20.1M | $16.5M | $24.7M | $26.1M |
| Diluted EPS | — | — | — | $1.24 | $1.33 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF8.8
PEG (trailing)2.67
Earnings yield7.0%
FCF yield11.3%
Quality & risk
ROIC (est.)—
Free cash flow$42.5M
Total debt—
Net cash$38.5M
Capital returns
Buyback yield9.2%
Dividend yield (est.)2.1%
Shareholder yield11.3%
Shares Δ YoY-9.0%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRed flag in recent filings — agreement terminated (2026-05-01). Worth a closer look.
Recent filings
all on EDGAR ↗4Period ending 2026-06-082026-06-08open ↗3Period ending 2026-05-262026-06-03open ↗8-KPeriod ending 2026-06-012026-06-01open ↗8-KPeriod ending 2026-05-262026-05-27open ↗144Filing2026-05-27open ↗4Period ending 2026-05-212026-05-22open ↗4Period ending 2026-05-192026-05-21open ↗4Period ending 2026-05-152026-05-19open ↗4Period ending 2026-05-132026-05-15open ↗4Period ending 2026-05-142026-05-15open ↗4Period ending 2026-05-132026-05-14open ↗144Filing2026-05-14open ↗
Frequently asked
- Is USCB FINANCIAL HOLDINGS, INC. (USCB) a buy?
- USCB currently carries a Hold rating with 2/5 conviction, derived from its latest SEC filings. Mixed signals in the latest filings.
- What is USCB's fair value?
- A Modified-Graham model based on USCB's SEC fundamentals estimates a fair value of about $22.83. It is an estimate from reported earnings, not a price target.
- Is USCB overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, USCB currently appears fairly valued relative to its SEC-grounded earnings power.
- What is USCB FINANCIAL HOLDINGS, INC.'s quality score?
- USCB scores 73.6470588235294/100 (grade B) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001901637, latest 10-Q filed 2026-05-08) · EODHD · as of 6/28/2026, 12:48:10 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.